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Old 12-04-2012, 09:14 PM   #6521
Mr. Fluffer
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Re: Boredz V49 - Canucks optional :P

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Originally Posted by 93goatfucker04 View Post


That has to be death for the pelican
did it eat?
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Old 12-04-2012, 09:20 PM   #6522
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Re: Boredz V49 - Canucks optional :P

Okay, now we need this for the bikes.

http://torque-bhp.com/

--Wag--
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Old 12-04-2012, 09:22 PM   #6523
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Re: Boredz V49 - Canucks optional :P

You said you just finished your finance degree. Did you already have an accounting degree? I thought I seen mention of you being a CPA at one point.
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Old 12-04-2012, 09:24 PM   #6524
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Okay, now we need this for the bikes.

http://torque-bhp.com/

--Wag--
Cool.
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Old 12-04-2012, 09:27 PM   #6525
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Re: Boredz V49 - Canucks optional :P

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What up, Boredz, and optional Canucks?



Not true, 'Bro. People with very low incomes and banked cash can get to very high credit scores. What matters most, above all else, is that you pay your bills on time. Do that one thing alone, and you can probably crack 800. Of course, that assumes that you're making payments on some form of trade/revolving credit.



That will help immensely.



Nobody really knows how the credit scores are calculated. None of them are calculated the same way and they guard their secret formulations very closely. Generally, we can assume what is being done by the effect your actions have on your credit score.



That's because it's not exactly correct. If you pay off a mortgage early and still pay on other debt, the payoff on the mortgage will actually help you. But if that was your ONLY debt, you could see your score fall. (See comments on debt availability ratios next.)

The second most important part of the credit score is how you manage your credit. That includes how you pay your bills, but also how much credit you have available vs. how much you have used. If you have $10,000 in credit limits on some credit cards but you've used up $9,000 (90%) of it, you'll take a hit. If you use only $1,000, (10%) you'll actually see your score increase.

This is why they say not to just close accounts without thinking it through. If you close a $6,000 card and now only have $4,000 of credit available of which you've used $1,000 (25%), your ratio just dropped a HUGE amount and it's going to ding your score pretty severely.

Of course, paying it off every month can only help. If you typically run your balances up a bit high every month, use your online bill pay and set up a recurring payment for each week to keep that average balance down between statements.

If you apply for credit too frequently, your score will fall.

So, some background:

We consider ourselves very fortunate to have no debt. We have about $90K in credit available of which we've used about $20K at any time, including the car payment (which I'm going to comment on further in a bit). Our income is not all that high, relatively speaking. Enough to live on without many luxuries beyond the thrills of the bikes and a couple of other things. Enough to be content, actually.

When we paid off the house ($230K at the time) six years ago, we had enough profit from the sale to pay for the new house in cash. As we concluded those transactions, my credit score was 820. (The highest you can get is 850.) We promptly paid off all remaining debt.

With no debt, my credit score started to fall and got down to 805-ish. As a result, when I bought the Vette last year, I went ahead and financed it instead of paying cash. Between then and now, it has gone back up to 830.

It's just the credit management. I should mention, too, that when I bought the Vette, they financed more than the value of the car, gave me a 3.85% interest rate and demanded that I finance as much as possible. A major bank, too, not just a local community bank or credit union. They did it all over the phone in about 20 minutes and I was driving away with it.

Credit, like fire, is very powerful. Just don't let it burn you!

There are other factors in your credit score, too, but discussions on those things are all over the interwebz. www.justfuckinggoogleit.com

--Wag--

Good read Wag Thanks. Question though.. Whats the reason for keeping your score up at this point if you have your house paid off and have enough income to buy corvettes with cash? In case you ever get into a situation in the future where you need a loan Or did you just do payments on the vette just so that you could keep more money in your account. I suppose that would be smarter to do anyways, since you have the money already there
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Old 12-04-2012, 09:29 PM   #6526
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Re: Boredz V49 - Canucks optional :P

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did it eat?
A FUCKING PIGEON!!!
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Old 12-04-2012, 09:33 PM   #6527
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Haha. Cannibal!
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Old 12-04-2012, 09:35 PM   #6528
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Re: Boredz V49 - Canucks optional :P

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A FUCKING PIGEON!!!


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Old 12-04-2012, 09:38 PM   #6529
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Re: Boredz V49 - Canucks optional :P

My mind is still blown over it One dumb bird
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Old 12-04-2012, 09:40 PM   #6530
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Re: Boredz V49 - Canucks optional :P

Which one?

Oh.. and Self Shooters..
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Old 12-04-2012, 09:42 PM   #6531
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Re: Boredz V49 - Canucks optional :P

good point. Victoria secret fashion show is on. I turned it on to watch sexy girls walk, and turns out its straight lulz. I just watched a girl dressed up as a bicycle walk down the runway So retarded
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Old 12-04-2012, 09:43 PM   #6532
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Which one?

Oh.. and Self Shooters..
Tell me about it!

ImageUploadedByMotorcycle1354678976.390227.jpg

Just changed my buddies air filter. He said it was running weird. Wonder why?
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Old 12-04-2012, 09:43 PM   #6533
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Quote:
Originally Posted by 93goatfucker04 View Post
good point. Victoria secret fashion show is on. I turned it on to watch sexy girls walk, and turns out its straight lulz. I just watched a girl dressed up as a bicycle walk down the runway So retarded
The commercials for that looked nice...
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Old 12-04-2012, 09:44 PM   #6534
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good point. Victoria secret fashion show is on. I turned it on to watch sexy girls walk, and turns out its straight lulz. I just watched a girl dressed up as a bicycle walk down the runway So retarded
Plus Justin bieber is performing.
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Old 12-04-2012, 09:46 PM   #6535
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Re: Boredz V49 - Canucks optional :P

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The commercials for that looked nice...
The commercials are seriously way better than the show. They have so much costume on you can hardly distinguish anything Would be way better if they wore just bra and panties. So that people can see the product well of course
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Old 12-04-2012, 09:47 PM   #6536
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Re: Boredz V49 - Canucks optional :P

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Plus Justin bieber is performing.
Mute You think I would listen to that shit
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Old 12-04-2012, 09:54 PM   #6537
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Mute You think I would listen to that shit
.

We would only judge you for a little bit...
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Old 12-04-2012, 09:59 PM   #6538
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Re: Boredz V49 - Canucks optional :P

I would probaly jump out of this 3rd story window. All I know hes a famous singer that no one likes for some reason. I dont think Ive heard him sing ever lol
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Old 12-04-2012, 10:26 PM   #6539
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He's a young boy that has girl features, yet all girls under 15 are in love with him. It's almost like NSync and such all over again.


Sent from my iPhone using Motorcycle.com App
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Old 12-04-2012, 10:29 PM   #6540
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I would probaly jump out of this 3rd story window. All I know hes a famous singer that no one likes for some reason. I dont think Ive heard him sing ever lol
Well depends who you ask. Mainly it's just straight guys over 14 that don't like him.
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